Welcome to this beautifully upgraded Mystique model in the highly sought-after Del Webb Stone Creek, where luxury finishes, thoughtful design, and exceptional outdoor living come together. This meticulously maintained home offers 2 bedrooms, 2 bathrooms, and a versatile flex room, perfect for a home office, hobby space, or additional guest accommodations. Inside, you'll find luxury vinyl plank flooring throughout the main living areas and bedrooms, complemented by tile flooring in the guest bathroom for easy maintenance and timeless style. The heart of the home is the gourmet kitchen, featuring quartz countertops, built-in stainless steel appliances, abundant cabinetry, and an open layout ideal for entertaining. The spacious owner's suite is a private retreat, complete with a custom closet organization system and a spa-inspired en-suite bathroom showcasing a zero-entry, tiled walk-in shower. Designer touches continue throughout with a stunning glass inset front door, a custom barn door leading to the flex room, and numerous upgraded finishes that elevate the home's appeal. Outdoor living is equally impressive. Relax year-round on the extended screened lanai with an expansive birdcage enclosure, or enjoy the additional paver patio just outside—perfect for grilling, gathering with friends, or taking in the peaceful surroundings. Mature, professionally designed landscaping creates exceptional privacy, while custom upgraded landscaping enhances the home's curb appeal from every angle. Additional features include an epoxy-coated garage floor, overhead garage storage, and a paver driveway and front entrance that provide both beauty and functionality. Located in Del Webb Stone Creek, one of Ocala's premier active adult communities, this exceptional home offers the perfect blend of luxury, comfort, and low-maintenance living. With countless upgrades already completed, all that's left to do is move in and enjoy everything this remarkable home and vibrant community have to offer.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
